The Best Pet Insurance Companies (January 2024)


Navigating the world of pet insurance can be daunting, but with the right information, pet owners can make informed decisions to protect their furry family members. As of January 2024, the pet insurance industry has seen a variety of companies offering comprehensive plans to cater to the diverse needs of pets and their owners. Here’s a look at some of the best pet insurance companies and what makes them stand out.

Top 10 Best Pet Insurance Companies (January 2024)


Lemonade is a relatively new entrant in the pet insurance industry, but it has quickly gained a reputation for its affordable plans and user-friendly experience. The company uses artificial intelligence to streamline the claims process, resulting in faster payouts. Lemonade offers comprehensive coverage for accidents and illnesses, with optional wellness packages for routine care. The company’s policies are easy to understand, and customers can adjust their coverage, deductibles, and payout limits directly from the Lemonade app. This level of transparency and control is a significant advantage for pet owners who want to understand exactly what they’re paying for. Lemonade’s commitment to social good, including its Giveback program where unused premiums are donated to charities chosen by policyholders, also sets it apart in the industry.


Spot Pet Insurance stands out for its customizable coverage. The company allows pet owners to tailor their plans to their specific needs, offering flexibility in choosing the annual limit, deductible, and reimbursement percentage. This flexibility is a significant advantage for those who want more control over their insurance options. Spot covers a wide range of conditions, including hereditary and congenital conditions, making it a good choice for owners of breeds with known health issues. The company also offers a preventive care add-on for routine vet visits and wellness procedures. Spot’s partnership with Cesar Millan, a well-known dog behaviorist, provides customers with access to a wealth of educational resources on pet behavior and health.

ASPCA Pet Health Insurance

ASPCA Pet Health Insurance is a solid pick for older pets. The company offers comprehensive coverage for accidents, illnesses, hereditary conditions, and behavioral issues, regardless of the pet’s age at enrollment. This is particularly beneficial for senior animals, which often require more specialized care. ASPCA Pet Health Insurance also offers optional preventive care coverage at extra cost, covering routine procedures like vaccines and dental cleanings. The company’s Complete Coverage plan includes advanced treatments like stem-cell therapy and acupuncture. With a simple and straightforward claims process and a multi-pet discount, ASPCA Pet Health Insurance provides value and peace of mind for pet owners.


Embrace Pet Insurance is known for its comprehensive coverage and savings opportunities. The company offers a unique diminishing deductible feature, the Healthy Pet Deductible, which reduces the annual deductible by $50 each year that the pet owner doesn’t receive a claim reimbursement. This feature rewards pet owners for their pets’ healthy years. Embrace’s coverage includes accidents, illnesses, genetic conditions, and chronic conditions. The company also offers a wellness rewards program for routine care, which operates more like a health savings account. Embrace has a strong customer service reputation, with 24/7 pet health line for questions about your pet’s health.


Fetch, powered by Petplan, provides comprehensive coverage that is well-suited for pet owners who want a thorough insurance plan for their pets. The company covers a wide range of potential health issues, including accidents, illnesses, hereditary conditions, and chronic conditions. Fetch also covers non-routine veterinary exam fees, which many other insurers don’t cover. The company offers a flexible policy with options to adjust the deductible, reimbursement percentage, and annual limit. Fetch’s customer service is highly rated, and the company offers a simple and straightforward claims process. With coverage for pets as young as six weeks old, Fetch is also a good option for owners of puppies and kittens.

Healthy Paws

Healthy Paws Pet Insurance offers the most affordable unlimited coverage, making it an excellent option for pet owners concerned about extensive veterinary bills. The company has no cap on payouts for accidents or illnesses, including cancer. Healthy Paws covers hereditary and congenital conditions, providing peace of mind for owners of purebred pets, which often have breed-specific health issues. The company’s simple and straightforward policy makes it easy for pet owners to understand what is and isn’t covered. Healthy Paws has a fast and easy claims process, with most claims processed in just two days. The company also has a strong reputation for customer service.


Figo Pet Insurance stands out with the most flexible reimbursement rates, giving pet owners the ability to choose a plan that aligns with their financial preferences. The company offers three plans, all of which cover accidents and illnesses, hereditary and congenital conditions, chronic conditions, and certain behavioral therapies. Figo’s Pet Cloud mobile app provides digital access to the pet’s medical records, reminders for vet appointments, and a live vet chat. The company also offers a 100% reimbursement option, a rarity among pet insurers. Figo’s customer service is highly rated, with 24/7 assistance available.


Nationwide is a well-known name in the insurance industry, and its pet insurance policies live up to the company’s reputation for comprehensive coverage. Nationwide offers three pet insurance plans, including a major medical plan, a wellness plan, and a whole pet with wellness plan. The whole pet with wellness plan is one of the most comprehensive on the market, covering accidents, illnesses, and wellness care with a 90% reimbursement rate. Nationwide is one of the few companies that covers exotic pets in addition to dogs and cats. The company’s online portal and mobile app make it easy for customers to manage their policies and file claims.


Trupanion is a leader in the pet insurance industry, known for its unlimited payouts and comprehensive coverage. The company’s policy covers 90% of eligible costs, with no payout limit per incident, per year, or over the pet’s lifetime. This is particularly beneficial for pets with chronic conditions or those that may incur high medical costs. Trupanion covers hereditary and congenital conditions, as well as unidentified issues such as cough, diarrhea, and vomiting. The company also offers optional coverage for additional items such as recovery and complementary care and pet owner assistance.

Pets Best

Pets Best Pet Insurance is recognized for its comprehensive coverage and flexible pricing options. The company’s vet direct pay feature is a standout, allowing veterinarians to bill Pets Best directly, which can ease the financial stress of upfront payments during veterinary visits. Pets Best offers two coverage plans for accidents and illnesses, as well as a wellness plan for routine care. The company has no upper age limit for enrollment, making it a good option for older pets. Pets Best also offers a 24/7 pet helpline, providing access to veterinary experts for questions about your pet’s health.

How to Choose the Best Pet Insurance Companies

When selecting pet insurance, it’s crucial to consider several factors:

  • Deductibles: These can range from $100 to $500, affecting your out-of-pocket costs1.
  • Annual Coverage Limits: Limits can vary from $5,000 to $100,000, so choose according to your pet’s needs1.
  • Reimbursement Rates: Typically between 70% and 90%, higher rates mean you’ll be reimbursed more for veterinary expenses.
  • Customer Service: Look for companies with excellent customer support, including multiple contact options and efficient claim processing.


The best pet insurance company for you will depend on your pet’s specific needs, your financial situation, and the level of coverage you’re comfortable with. It’s essential to research and compare quotes from multiple providers to find the best fit. Remember to read the fine print and understand the terms of the policy you choose. With the right pet insurance, you can have peace of mind knowing that your pet’s health is protected.


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